US9818100B2 - Method and system for a multi-purpose transactional platform - Google Patents
Method and system for a multi-purpose transactional platform Download PDFInfo
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- US9818100B2 US9818100B2 US13/851,647 US201313851647A US9818100B2 US 9818100 B2 US9818100 B2 US 9818100B2 US 201313851647 A US201313851647 A US 201313851647A US 9818100 B2 US9818100 B2 US 9818100B2
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- Prior art keywords
- actual
- account numbers
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- proxy
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Definitions
- the preferred embodiments of the present invention also provide a method and system for a consolidated platform that links to one or more underlying source accounts, wherein each underlying source account is represented by a proxy account number.
- Multiple proxy account numbers can be pre-loaded onto a device used for accessing the consolidated platform and the underlying source accounts, wherein each number can remain dormant or be activated to associate with one or more of the underlying source accounts.
- the host entity and/or each customer may initiate the linking process in order to set up the consolidated platform.
- a customer wishing to sign up can contact the host entity via telephone, Internet, or any other means of communication that can convey the customer's wish to the host entity.
- the customer may be prompted to register each source account by providing each source account number, the account issuer of the source account, and any other relevant information relating to the source account that can be used to link it to the consolidated platform.
- the host entity can offer to automatically register all host entity-branded accounts and/or other accounts affiliated with or issued by the host entity.
- the host entity can prompt the customer to register other accounts not branded or affiliated with the host entity.
- the host entity can also prompt the customer to select one of the registered accounts as the default account to be used for a transaction when no account choice is made or possible for such transaction.
- the customer can use an access device to communicate the actual or proxy account number to the POS/POA terminal 310 for a transaction.
- the customer also can directly enter the actual/proxy account number into an input device (e.g., a keypad) located at the POS/POA terminal 310 without using an access device.
- the POS/POA terminal 310 then relays the actual/proxy account number to a participating terminal or payment network 320 , which identifies the account as part of a consolidated platform and routes it to the consolidated platform 330 maintained by the host entity.
- the terminal/payment network 320 can be an industry-standard terminal/payment network (e.g., Visa, MasterCard, AmEx, Discover, Diner's Club, NYCE, Star), and the actual/proxy account number can be compatible with such network.
- the settlement network 360 can be the same or different from the network 320 that was used to initiate the transaction.
- the consolidated platform 330 and the system 340 can be parts of the host entity's host processing system, which can include processing units, databases and/or servers to process information received from the POS/POA terminal in a manner apparent to those skilled in the art based on the present disclosure.
- Another payment method represents an ATM or cash-back checking transaction (e.g., check card or debit card with cash-back option) and its actual account number that is linked to a checking account.
- an ATM or cash-back checking transaction at POS or point of access can be processed using the actual account number.
- a proxy account number will not be used, and the transaction will be processed over the regional Electronic Funds Transfer (EFT) networks (e.g. Cirrus, Plus).
- EFT Electronic Funds Transfer
- the customer will be prompted for a PIN, and the transaction will be authorized accordingly over the EFT network(s). The customer can then receive the desired or allowable cash back from the transaction.
- EFT Electronic Funds Transfer
Abstract
Description
TABLE 1 |
Customer ID-based Account Table |
ID | Accounts | Institution | ||
1234 = B. Smith | 1. Debit - 7890 | |
||
2. Credit - 2121 | |
|||
3. Credit - 3333 | Bank Z | |||
TABLE 2 |
Proxy Account Matching Table |
Proxy | Source Account | Institution | ||
1212 = | 5389 | Host entity | ||
1234 = | 7890 | Bank X | ||
4567 = | 7889 | Bank Y | ||
Claims (21)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US13/851,647 US9818100B2 (en) | 2002-07-15 | 2013-03-27 | Method and system for a multi-purpose transactional platform |
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US39560602P | 2002-07-15 | 2002-07-15 | |
US10/411,192 US8412623B2 (en) | 2002-07-15 | 2003-04-11 | Method and system for a multi-purpose transactional platform |
US13/851,647 US9818100B2 (en) | 2002-07-15 | 2013-03-27 | Method and system for a multi-purpose transactional platform |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US10/411,192 Division US8412623B2 (en) | 2002-07-15 | 2003-04-11 | Method and system for a multi-purpose transactional platform |
Publications (2)
Publication Number | Publication Date |
---|---|
US20130218698A1 US20130218698A1 (en) | 2013-08-22 |
US9818100B2 true US9818100B2 (en) | 2017-11-14 |
Family
ID=30118528
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US10/411,192 Active 2032-06-01 US8412623B2 (en) | 2002-07-15 | 2003-04-11 | Method and system for a multi-purpose transactional platform |
US13/851,647 Expired - Lifetime US9818100B2 (en) | 2002-07-15 | 2013-03-27 | Method and system for a multi-purpose transactional platform |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US10/411,192 Active 2032-06-01 US8412623B2 (en) | 2002-07-15 | 2003-04-11 | Method and system for a multi-purpose transactional platform |
Country Status (9)
Country | Link |
---|---|
US (2) | US8412623B2 (en) |
EP (1) | EP1522035A4 (en) |
JP (1) | JP2006507563A (en) |
KR (1) | KR20060004598A (en) |
CN (1) | CN1666209A (en) |
AU (2) | AU2003249238B2 (en) |
BR (1) | BR0312265A (en) |
PL (1) | PL374297A1 (en) |
WO (1) | WO2004008288A2 (en) |
Families Citing this family (390)
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2003
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- 2003-07-15 CN CN038155230A patent/CN1666209A/en active Pending
- 2003-07-15 BR BRPI0312265-4A patent/BR0312265A/en not_active Application Discontinuation
- 2003-07-15 PL PL03374297A patent/PL374297A1/en not_active Application Discontinuation
- 2003-07-15 AU AU2003249238A patent/AU2003249238B2/en not_active Expired
- 2003-07-15 JP JP2004521813A patent/JP2006507563A/en active Pending
- 2003-07-15 WO PCT/US2003/022018 patent/WO2004008288A2/en active Search and Examination
- 2003-07-15 KR KR1020047020962A patent/KR20060004598A/en not_active Application Discontinuation
- 2003-07-15 EP EP03764643A patent/EP1522035A4/en not_active Withdrawn
-
2010
- 2010-08-20 AU AU2010212457A patent/AU2010212457A1/en not_active Abandoned
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2013
- 2013-03-27 US US13/851,647 patent/US9818100B2/en not_active Expired - Lifetime
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Also Published As
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US20040010462A1 (en) | 2004-01-15 |
WO2004008288A3 (en) | 2004-12-16 |
KR20060004598A (en) | 2006-01-12 |
AU2010212457A1 (en) | 2010-09-09 |
JP2006507563A (en) | 2006-03-02 |
BR0312265A (en) | 2007-08-21 |
AU2003249238A1 (en) | 2004-02-02 |
AU2003249238B2 (en) | 2010-05-20 |
EP1522035A4 (en) | 2006-09-13 |
PL374297A1 (en) | 2005-10-03 |
US20130218698A1 (en) | 2013-08-22 |
EP1522035A2 (en) | 2005-04-13 |
US8412623B2 (en) | 2013-04-02 |
WO2004008288A2 (en) | 2004-01-22 |
CN1666209A (en) | 2005-09-07 |
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